Roths don't give you the same up-front tax deductions that
traditional IRAs do, but in return, you never have to
pay taxes on your Roth IRA money — even when you take it out of
the Roth during retirement.

Dan and Dayana go through the decision-making process in figuring
out whether a Roth IRA makes sense for your financial situation.

In addition, Dan makes some specific recommendations for stocks
and other investments that work especially well in a Roth IRA,
with a particular focus on stocks that are poised to provide
maximum growth over the long run to take full advantage of the
Roth's tax-free benefits.

Altria may
well be a good candidate for a long-term Roth IRA holding, but it
has some challenges it needs to overcome first.

Learn more in our premium research report on the tobacco giant,
in which our top analyst looks at the question of
whether Altria is still a buy today. To find out whether
everyone's love-to-hate dividend stock is a savvy investment
choice or a hazard to your portfolio, simply
click here now for access to the report.